The Story of Two People and Their Path to Financial Independence

Today we wanted to share a little game we play in the Kingdom of Waffles. Ever since we have been on the path to FI, we tend to interpret things from the outside world as if they were referencing parts of the FI mindset.

We find that this happens especially with songs. We’ll hear a lyric and automatically assume that the artist is implying a pillar of FI. I mean when Chance the Rapper talks about “watching Netflix cause she don’t got no cable”, how could they not be?

So we thought it would be fun to introduce you guys to our game (and shed some light on to how nutty the Waffle household really is).

And by the way, this is actually the very first post that we have completely collaborated on from beginning to end! Usually, you get just one of us pounding away a the key board each week, but this week is special. You got both of our undivided attention for this one. And let me just say, it is a doozy!

Over the past few months, we have grown to love the artist Lil Yatchy. He first appeared on our radar being featured on the song iSpy by Kyle and we were hooked. We later heard him on the song featured today and the rest is history.

So sit back, relax and turn up the volume for today’s post. Unless, of course, you have children around or happen to be at your office, then we suggest you wait for a more appropriate time to listen the song. We had a blast writing this for you and we hope that you enjoy it as much as we do.

Enjoy!

Broccoli – DRAM feat. Lil’ Yatchy

﻿

Ain’t no tellin’ what I’m finna be on (ayy, ayy)
I’m beyond all that fuck shit, hey

DRAM doesn’t waste any time in letting us know he is done with the rat race. By “fuck shit” he obviously is referencing a 9 to 5 job. He is over it and wants out. He’s definitely pursuing Financial Independence Retire Early.

Hey, lil’ mama, would you like to be my sunshine?
Nigga, touch my gang, we gon’ turn this shit to Columbine

Here Lil’ Yachty is looking to find a partner that would share his interest in financial stability. He is also displaying how much he values his investments. By ‘gang’ he is referring to his allocation of VTSAX, and he would be very upset if anyone changed it from his optimal risk strategy.

Ice on my neck, cost me ten times three
Thirty thousand dollars for a nigga to get flee
I just hit Rodéo, and I spent like ten Gs

Here Lil’ Yachty is describing how he has 3 new credit cards and he has to hit the minimum spend. So he is manufacturing spending to meet the minimum requirements and take full advantage of the sign up bonuses. And obviously his sacred cow is none other than fancy jewelry. Well obviously…

I just did a show and spent the check on my mama
When I go on vacay I might rent out the Bahamas

Now, we see that he has reached his minimum spend and is redeeming the miles to take a vacation to the Bahamas to stay in a luxury resort for free. Mama could mean several things, his mama, his baby mama or just some generic mama in his life. Regardless of who his “mama” is, the vacation is 100% free. Thanks travel rewards!

And I keep like ten phones, damn, I’m really never home
All these niggas clones, tryna copy what I’m on
Nigga, get your own, tryna pick a nigga bone

Undoubtedly, Lil’ Yatchy is referencing geo-arbitrage here. While he once lived in an expensive McMansion, he has since moved out to embrace a more nomadic lifestyle. He is also highly aware that other people have seen his strategy and have started to copy it.

Word to brother, Skip, boy, I had a good day
Metro PCS, trappin’, boy I’m makin’ plays

Here it is clear to see that the market has been doing well and Lil Yatchy’s net worth is on the up. We also learn how he switched his phone plan to Metro PCS from a major carrier to cut his phone bill in half. Given his earlier reference to having multiple phones, he has seemingly taken advantage of the free phone give-aways for him and his brother.

Fifty shades of grey, beat that pussy like Hulk Hogan
I know you know my slogan, if it ain’t ’bout guap, I’m gone

Here he discusses his theory on side hustles. Guap means “mad dough” (Yes, we had to look this one up). And therefore, if his side hustle isn’t spitting off the appropriate cash flow, he will pivot and find another one.

Niggas hatin’ ’cause I’m chosen, from the concrete I had a rose
Shawty starin’ at my necklace ’cause my diamonds really froze
Put that dick up in her pussy, bet she feel it in her toes

Now we learn that he took a break from all of his side hustling and made an appearance on the Bachelorette. He got many a rose from her and made it all the way to the fantasy suite *AHEM*. #BachelorNation (we couldn’t resist).

I’m a real young nigga from the six throwin’ ‘bows
I’m a real young nigga from the six throwin’ ‘bows
Real young nigga from the six throwin’ ‘bows

Here we see that he started investing in his Roth IRA at an early age. All of his friends thought he was crazy, so he had to aggressively defend his savings strategy. But he knew that by starting early, he would be setting himself up for financial stability in the future, so he held true to his strategy.

In the middle of the party, bitch get off me
In the cut, I’m rollin’ up my broccoli
Ya, I know your baby mama fond of me
All she want to do is smoke that broccoli

Now DRAM is discussing how when you have a lot of money (or broccoli) and you are flashy about it, everyone wants a piece of it. Therefore, he practices Stealth Wealth to avoid this from happening.

Whispered in my ear, she tryna leave with me
Said that I can get that pussy easily

Thus, DRAM now discusses how he found a girl that likes him for him and isn’t just a gold digger.

Said that I can hit that shit so greasily
I’m a dirty dog, I did it sleazily

Clearly, we now learn that he is in the credit card churning game. But, instead of just hitting the minimum spend by shopping for necessities, he has started using more questionable tactics.

Ain’t no tellin’ what I’m finna be on
I’m beyond all that fuck shit
Ain’t no tellin’ what I’m finna be on
I’m beyond all that fuck shit

Here they revisit their unfavorable theory on working a 9-5. It’s for the birds.

I got companies and Pesos
I got people on my payroll
She don’t do it ‘less I say so

DRAM is a baller at utilizing the perks of owning a small business while on his path to FI. He’s also talking about his CPA that he has on speed dial to take care of any deductions (talk about optimization!). I wonder where he found such fantastic information?

I don’t smoke if it ain’t fuego
I should sauce ’em up like Prego
Fettucini with Alfredo

Being that food is definitely one of the major expenses of life, he tends to shop at Aldi, to take advantage of their low prices and buy things when they are on special. He also cooks at home every night and makes sure to cook plenty. Pasta makes for fantastic leftovers. #BatchCooking

All I wanted was the fame and every game they made on Sega
I was five or six years old when I had told myself, “Okay you’re special”
But I treat you like my equal never lesser

Adopting minimalism was tough for him when he was younger, as he was envious of all the video games his friends had. But as he matured, he began to realize that he doesn’t value things the way others do and he doesn’t judge for it. Well, maybe a little.

I was twenty-six years old when we had dropped this one amazing record
Had the world steppin’
That’s what I call epic
Couple summers later I got paper

Now, he is referencing hitting his “barista FI” number at 26. That is exactly what I call EPIC! He was lucky with his side hustle taking off and saving enough from his primary job that he can now coast.

I acquired taste for salmon on a bagel
With the capers on a square plate
At the restaurant with the “why you got to stare” face
To know I either ball or I record over the snare and bass

After hitting “barista fi” he left the 9-5 job that he hated. He fully embraced egotrage and took a job at a local restaurant as a waiter. This helped cover his splurges while he was waiting for his nest egg to compound. He also sure loves lox on bagels. Being FI doesn’t mean that you can’t enjoy some fancy indulgences once in awhile.

Rapper face, dread headed
Golden diamond teeth wearin’
They just mad ’cause I got that cheese, bitch, I keep dairy
Turnt up in the party, gettin’ lit to Yachty
With a Spanish Barbie, word to my mami

Now they are discussing all the things they own simply by investing in VTSAX:

Skin and hair care products

Jewelry stores and dental supplies

Farms and grocery chains

Party and boating supplies

International exposure through toy companies

Wow, they sure emphasize that VTSAX covers a lot of sectors of the market.

In the middle of the party, bitch get off me
In the cut, I’m rollin’ up my broccoli
Ya, I know your baby mama fond of me
All she want to do is smoke that broccoli

Even while at a party, DRAM’s army of little green men (all named Bill ironically) continue to work for him. Oh the joys of passive income!

Whispered in my ear she trying to leave with me
Said that I can get that pussy easily
Said I can hit that shit so greasily
I’m a dirty dog I did it sleazily

Often times FIREwalkers get pinged for doing things that may be considered sleazy or unethical. DRAM takes radical responsibility for his behavior and admits that some of it might not be PC.

In Conclusion

So as you can see, DRAM and Lil Yatchy undoubtedly discuss many aspects of FIRE throughout the entire song. They came up with a plan, started young, and are now killing it financially.

Oh and after listening to this song about 50x writing this, I think our favorite part is the the guy in the background saying, “God Damn” after every line in the chorus. We hadn’t heard it before and now it is impossible not to. Yeah… go listen to it again.

Anyway, we hope you enjoyed our rendition of Broccoli as much as we did… We were cracking up the entire time writing this post. Hell, we might even turn this into an ongoing series. If you’ve got a song request let us know, we’re taking requests!

When I first heard iSpy I was like, “what? they made a rap song to the tune/ lyrics of I Spy the children’s game?” I thought it was strange, but it didn’t take long before I was hooked. It was my gateway drug into Lil Yachty and well the rest is history! Glad you liked it.

Appreciate your honestly! This song is definitely not for everyone, but I’m glad you still read through our interpretation regardless if you listened to the song. I wonder if it might even be better if you have never heard the song before.